Personal Insurance: Auto Insurance

General

• Things to keep in mind when buying a car
• Teenage drivers: Plan ahead for more premium discounts

  Here's how to lower premiums with discounts for teen drivers.

• Car titles - Do they matter for my personal auto insurance coverage?

  As a general rule, you never want to have your name on a car title unless you specifically insure it under your own Personal Auto Policy.

• Auto Policy: Uninsured Motorist Coverage

  Here is what UM covers and why it is an essential part of a Personal Auto Policy (PAP).
  

• Auto Policy: Coverage options to consider adding

  After an auto accident, what optional coverages do most people wish they had purchased? We can help!

• Classic car coverage - Philip's personal experience

  Philip Sullivan, Insurance Agent and Personal Lines Manager at AMERICAN INSURANCE, fell in love with his first car, a 1965 Ford Mustang Fastback. Read about his memorable experiences and how they have helped him at American Insurance here.

• CLASSIC CARS – Is special coverage needed?

  Classic & Collector Cars are unique and require specialized coverage. Fortunately, the coverage is low-cost and provides many coverage extras designed just for your classic car.

• ROADSIDE ASSISTANCE – More than just towing!

  

  Before you take that drive, you should ensure that you have Roadside Assistance coverage added to your personal auto policy.

• RENTAL CARS - Should I Buy “Collision or Loss Damage Waiver”?
• Rental Cars - What is “Collision or Loss Damage Waiver”?
• Rental Cars - What coverage is provided by my Personal Auto Policy?
• Rental Cars - What coverage is NOT provided by my Personal Auto Policy?
• Rental Cars - Are there alternatives to Collision or Loss Damage Waiver?

Rates

• Auto Insurance – Why did my rate increase?

  You are a careful driver with no tickets or accidents.  So why did your auto insurance rates increase?

• Tips on adding a teen driver to your auto policy

  Here are 10 teen driving stats that may surprise you and some ways to save money on your auto insurance with a new driver.

• Auto insurance - When should I re-shop?

  When should I re-shop to compare my auto insurance prices? Find out here.

• Why similar vehicles may produce different premiums

  Why do similar cars cost different amounts to insure? Read more about that here.

Safe Driving

• Vehicle deaths stable for third year in US

  Idaho and Washington see reductions while Oregon has increase in fatalities. 

• Uninsured drivers average 1 in 8
• Seatbelt Myths Busted

Exclusions

• UBER, Lyft, and Rideshare answers

  

  Sign up with a mobile app service like UBER or Lyft and provide your vehicle as a ride service like a taxi for hire to void all coverage under your Personal Auto Policy. Before you sign up with Uber or Lyft, read more about those risks here.

• BUSINESS USE - Does my Personal Auto Policy exclude 'business' use?